You simply tell them to stop calling you. It’s literally just as simple as that. Of course, that doesn’t mean that the collection agency will follow your instructions. Or follow the law. St. Louis collection agencies are bound by the FDCPA (Fair Debt Collections Practices Act). It is a federal…
Yes, it will. Filing a St. Louis bankruptcy will also stop a bank levy (in which the creditor puts a freeze on your checking account, making it impossible for you to gain access to your money), it will stop any lawsuits filed against you personally (like when a creditor sues…
In this kind of situation, it is very important to determine what the fair market value of your vehicle is. If there is a great deal of value in the car, then it could be at risk of being liquidated, depending on which chapter of St. Louis bankruptcy you file.…
The primary way in which you stop a home foreclosure is by filing a St. Louis Chapter 13 bankruptcy. Such a filing will stop the foreclosure sale, and put you into a sensible repayment plan to get caught up on the arrearage (i.e. the amount that you have fallen behind…
No, you will not have to surrender you tax refund every year for the rest of your life!! But depending on which chapter of bankruptcy you file, there is a possibility that you may have to turn over a portion of your current refund. Let me explain: In a St.…
It depends mainly on when you file your case. There are two main chapters of bankruptcy, and within each one, the court handles a tax refund very differently. ONLY $750 IN ATTORNEY FEES FOR A ST. LOUIS CHAPTER 7 In a St. Louis Chapter 7 bankruptcy, the Trustee is ordered…
It depends upon which chapter of St. Louis bankruptcy you file. In a St. Louis Chapter 7 bankruptcy, the length of time from start to finish is generally about three (3) to four (4) months. In a St. Louis Chapter 13 bankruptcy, the length of can be between three (3)…
Not unless they have permission to do so from the original creditor, and they are prepared to file the suit immediately. If neither of those preconditions are met, then there is a good chance that your rights have been violated. The Fair Debt Collection Practices Act (FDCPA) is a federal…
It depends on two main things: 1) which chapter of bankruptcy you file; and 2) whether or not the debt in question was jointly held between you and your ex-spouse. Debt that you incurred jointly with your spouse while you were married (like a credit card or loan) can almost…
It’s actually rare that you would have to pay back every single one of your debts in a St. Louis bankruptcy. But then it depends very much on which chapter of bankruptcy you file. In a St. Louis Chapter 7 bankruptcy, all of your unsecured debts (such as credit cards,…